{"id":23582,"date":"2026-08-07T10:29:40","date_gmt":"2026-08-07T08:29:40","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=23582"},"modified":"2026-08-07T11:02:06","modified_gmt":"2026-08-07T09:02:06","slug":"compare-scpi-etf-high-dividends","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/","title":{"rendered":"SCPI vs. High Dividend ETFs: Advantages and Disadvantages"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>Les SCPI et les ETF \u00e0 dividendes \u00e9lev\u00e9s permettent tous deux de g\u00e9n\u00e9rer un revenu passif. Mais lequel choisir ? Dans cet article, SCPI VS ETF \u00e0 Dividendes \u00c9lev\u00e9s : avantages et inconv\u00e9nients, nous comparons plusieurs crit\u00e8res afin de d\u00e9terminer lequel est le plus int\u00e9ressant pour un investisseur.<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Comparer_une_SCPI_et_un_ETF_a_dividendes_eleves_quel_investissement_choisir\" >Comparer une SCPI et un ETF \u00e0 dividendes \u00e9lev\u00e9s : quel investissement choisir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quest-ce_quune_SCPI\" >Qu&#8217;est-ce qu&#8217;une SCPI ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quest-ce_quun_ETF_a_dividendes_eleves\" >Qu&#8217;est-ce qu&#8217;un ETF \u00e0 dividendes \u00e9lev\u00e9s ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Un_exemple_concret\" >Un exemple concret<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Pourquoi_choisir_une_SCPI_ou_un_ETF_a_dividendes\" >Pourquoi choisir une SCPI ou un ETF \u00e0 dividendes ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#SCPI_vs_ETF_a_dividendes_eleves\" >SCPI vs ETF \u00e0 dividendes \u00e9lev\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Resume_SCPI_ou_ETF_a_dividendes\" >R\u00e9sum\u00e9 : SCPI ou ETF \u00e0 dividendes<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quel_placement_offre_le_meilleur_rendement_historique\" >Quel placement offre le meilleur rendement historique ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Rendement_historique_des_SCPI\" >Rendement historique des SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Rendement_historique_des_ETF_a_dividendes_eleves\" >Rendement historique des ETF \u00e0 dividendes \u00e9lev\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Exemple_concret_avec_10_000_USD_investis_pendant_10_ans\" >Exemple concret avec 10 000 USD investis pendant 10 ans<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quel_placement_est_le_plus_diversifie\" >Quel placement est le plus diversifi\u00e9 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#SCPI\" >SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#ETF_a_dividendes_eleves\" >ETF \u00e0 dividendes \u00e9lev\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quel_investissement_est_le_plus_sur_SCPI_ou_ETF_a_dividendes_eleves\" >Quel investissement est le plus s\u00fbr : SCPI ou ETF \u00e0 dividendes \u00e9lev\u00e9s ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Risque_dune_SCPI\" >Risque d\u2019une SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Risque_dun_ETF_a_dividendes_eleves\" >Risque d\u2019un ETF \u00e0 dividendes \u00e9lev\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quel_investissement_est_le_moins_volatile_SCPI_ou_ETF_a_dividendes_eleves\" >Quel investissement est le moins volatile : SCPI ou ETF \u00e0 dividendes \u00e9lev\u00e9s ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quel_investissement_est_le_plus_passif\" >Quel investissement est le plus passif ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quel_investissement_est_le_plus_simple_a_acheter\" >Quel investissement est le plus simple \u00e0 acheter ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#ETF_a_dividendes_eleves-2\" >ETF \u00e0 dividendes \u00e9lev\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#SCPI-2\" >SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quel_placement_distribue_les_meilleurs_revenus_immediats\" >Quel placement distribue les meilleurs revenus imm\u00e9diats?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Exemple_avec_100_000_CHF_investis\" >Exemple avec 100 000 CHF investis<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quel_investissement_verse_des_revenus_plus_frequemment\" >Quel investissement verse des revenus plus fr\u00e9quemment ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#SCPI-3\" >SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#ETF_a_dividendes_eleves-3\" >ETF \u00e0 dividendes \u00e9lev\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quel_placement_est_le_meilleur_pour_faire_croitre_son_capital\" >Quel placement est le meilleur pour faire cro\u00eetre son capital ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quelle_solution_est_la_plus_avantageuse_fiscalement_en_Suisse\" >Quelle solution est la plus avantageuse fiscalement en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#ETF_a_dividendes_eleves-4\" >ETF \u00e0 dividendes \u00e9lev\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#SCPI-4\" >SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Exemple_ETF_a_dividendes_eleves_VS_SCPI\" >Exemple : ETF \u00e0 dividendes \u00e9lev\u00e9s VS SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Exemple_concret_100_000_CHF_investis_pendant_une_annee\" >Exemple concret : 100 000 CHF investis pendant une ann\u00e9e<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quel_investissement_possede_les_frais_les_plus_faibles\" >Quel investissement poss\u00e8de les frais les plus faibles ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#ETF_a_dividendes_eleves-5\" >ETF \u00e0 dividendes \u00e9lev\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#SCPI-5\" >SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Combien_cela_coute_reellement\" >Combien cela co\u00fbte r\u00e9ellement ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Les_frais_et_les_impots_les_deux_ennemis_des_SCPI\" >Les frais et les imp\u00f4ts, les deux ennemis des SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Conclusion_SCPI_ou_ETF_a_dividendes_eleves\" >Conclusion : SCPI ou ETF \u00e0 dividendes \u00e9lev\u00e9s ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#La_SCPI_pour\" >La SCPI pour :<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Les_ETF_a_dividendes_eleves_pour\" >Les ETF \u00e0 dividendes \u00e9lev\u00e9s  pour :<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Mon_opinion\" >Mon opinion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#FAQ_SCPI_ou_ETF_a_dividendes_eleves\" >FAQ : SCPI ou ETF \u00e0 dividendes \u00e9lev\u00e9s ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Une_SCPI_est-elle_plus_rentable_quun_ETF_a_dividendes_eleves\" >Une SCPI est-elle plus rentable qu\u2019un ETF \u00e0 dividendes \u00e9lev\u00e9s ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quel_est_le_meilleur_choix_pour_un_investisseur_suisse\" >Quel est le meilleur choix pour un investisseur suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Pourquoi_investir_dans_une_SCPI\" >Pourquoi investir dans une SCPI ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Quel_est_le_principal_avantage_dun_ETF_a_dividendes_eleves\" >Quel est le principal avantage d\u2019un ETF \u00e0 dividendes \u00e9lev\u00e9s ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-52\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#SCPI_ou_ETF_a_dividendes_eleves_lequel_choisir\" >SCPI ou ETF \u00e0 dividendes \u00e9lev\u00e9s : lequel choisir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-53\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparer-scpi-etf-dividendes-eleves\/#Comparer_une_SCPI_VS_un_ETF_a_Dividendes_eleves_Quel_Investissement_Choisir\" >Comparer une SCPI VS un ETF \u00e0 Dividendes \u00e9lev\u00e9s : Quel Investissement Choisir?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<p class=\"has-text-align-center has-background wp-block-paragraph\" style=\"border-width:4px;border-radius:20px;background-color:#560000\"><strong>\u26a0\ufe0fCet article est bas\u00e9 sur mes recherches et mon exp\u00e9rience personnelle. Il a pour objectif de partager des informations et de vulgariser le sujet, et non de fournir un conseil en investissement. Investir comporte des risques, notamment celui de perdre une partie ou la totalit\u00e9 de son capital. Les performances pass\u00e9es ne garantissent pas les performances futures.Avant d\u2019investir, faites vos propres recherches et, si n\u00e9cessaire, demandez conseil \u00e0 un professionnel.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Comparer_une_SCPI_et_un_ETF_a_dividendes_eleves_quel_investissement_choisir\"><\/span>Comparer une SCPI et un ETF \u00e0 dividendes \u00e9lev\u00e9s : quel investissement choisir ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les investisseurs \u00e0 la recherche de revenus passifs h\u00e9sitent souvent entre deux solutions : les <strong>SCPI<\/strong> et les <strong>ETF \u00e0 dividendes \u00e9lev\u00e9s<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcffdb\" class=\"has-inline-color\">Ces deux placements permettent de percevoir des revenus passifs r\u00e9guliers sans avoir \u00e0 g\u00e9rer directement un bien immobilier ou un portefeuille d&#8217;actions<\/mark><\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourtant, ils fonctionnent de mani\u00e8re tr\u00e8s diff\u00e9rente. Les SCPI reposent sur l&#8217;immobilier, tandis que les ETF \u00e0 dividendes investissent dans des centaines d&#8217;entreprises cot\u00e9es en bourse. Les rendements, les risques, la fiscalit\u00e9 et les frais ne sont donc pas les m\u00eames.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alors, lequel faut-il privil\u00e9gier ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet article, nous allons comparer ces deux investissements selon plusieurs crit\u00e8res : rendement historique, diversification, volatilit\u00e9, fiscalit\u00e9 en Suisse, frais et simplicit\u00e9 de gestion. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;objectif n&#8217;est pas de d\u00e9signer un gagnant absolu, mais de t&#8217;aider \u00e0 choisir le placement qui correspond le mieux \u00e0 tes objectifs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"Quest-ce_quune_SCPI\"><\/span>Qu&#8217;est-ce qu&#8217;une SCPI ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Une <strong>SCPI<\/strong> (Soci\u00e9t\u00e9 Civile de Placement Immobilier) est souvent surnomm\u00e9e <em>la pierre-papier<\/em>. Au lieu d&#8217;acheter un appartement ou un immeuble en direct, tu ach\u00e8tes des parts d&#8217;une soci\u00e9t\u00e9 qui poss\u00e8de un portefeuille immobilier. (C&#8217;est-\u00e0-dire, avec plusieurs biens immobiliers).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Concr\u00e8tement, lorsque tu investis dans une SCPI, tu ach\u00e8tes <strong>des parts d&#8217;une soci\u00e9t\u00e9<\/strong> qui d\u00e9tient et g\u00e8re un parc immobilier compos\u00e9 de nombreux biens immobiliers. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon la SCPI que tu ach\u00e8tes, il peut s&#8217;agir de bureaux, de commerces, d&#8217;entrep\u00f4ts logistiques, de cliniques, d&#8217;h\u00f4tels ou encore de logements. En effet, ton SCPI peut investir dans un seul secteur immobilier ou \u00eatre diversifi\u00e9 dans plusieurs secteurs immobiliers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu ach\u00e8tes une SCPI, tu deviens associ\u00e9 de cette soci\u00e9t\u00e9, tu ne deviens pas propri\u00e9taire d&#8217;un bien immobilier pr\u00e9cis. En v\u00e9rit\u00e9, tu d\u00e9tiens une <strong>fraction de l&#8217;ensemble du patrimoine immobilier<\/strong> de la SCPI, au m\u00eame titre que les autres investisseurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les loyers per\u00e7us sur ces biens immobiliers sont ensuite regroup\u00e9, les frais de gestion sont d\u00e9duits, puis les revenus restants sont redistribu\u00e9s aux associ\u00e9s (c&#8217;est-\u00e0-dire, toi) sous forme de revenus locatifs, g\u00e9n\u00e9ralement chaque mois ou chaque trimestre selon la SCPI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Autrement dit, une SCPI permet de profiter des revenus de l&#8217;immobilier tout en laissant la soci\u00e9t\u00e9 de gestion s&#8217;occuper de toutes les t\u00e2ches administratives : achat des biens, recherche des locataires, entretien des immeubles, perception des loyers et gestion des \u00e9ventuels impay\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que la SCPI soci\u00e9t\u00e9 s&#8217;occupe de tout :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l&#8217;achat des immeubles <\/li>\n\n\n\n<li>la recherche des locataires <\/li>\n\n\n\n<li>la gestion administrative <\/li>\n\n\n\n<li>les travaux et l&#8217;entretien <\/li>\n\n\n\n<li>la redistribution des loyers<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-4\"><strong>En \u00e9change, elle pr\u00e9l\u00e8ve des frais de gestion.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">En devenant associ\u00e9 d&#8217;une SCPI, tu touches une partie des loyers per\u00e7us par l&#8217;ensemble du patrimoine immobilier. Tu investis donc indirectement dans plusieurs immeubles avec un seul achat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon les SCPI, les biens peuvent \u00eatre tr\u00e8s vari\u00e9s :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>bureaux <\/li>\n\n\n\n<li>commerces <\/li>\n\n\n\n<li>\u00e9tablissements de sant\u00e9 <\/li>\n\n\n\n<li>entrep\u00f4ts logistiques <\/li>\n\n\n\n<li>h\u00f4tels <\/li>\n\n\n\n<li>r\u00e9sidences \u00e9tudiantes<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En ce qui concerne la diversification g\u00e9ographique, certaines SCPI investissent uniquement en France, tandis que d&#8217;autres sont pr\u00e9sentes dans plusieurs pays europ\u00e9ens.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le principal avantage pour le client de la SCPI est la simplicit\u00e9. Tu profites des revenus de l&#8217;immobilier sans devoir g\u00e9rer des locataires, effectuer des travaux ou rechercher un nouveau bail.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, les SCPI pr\u00e9sentent aussi quelques limites : des frais souvent \u00e9lev\u00e9s, une fiscalit\u00e9 parfois complexe et une liquidit\u00e9 inf\u00e9rieure \u00e0 celle des march\u00e9s financiers. Nous y reviendrons.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a955d4c17638&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a955d4c17638\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1264\" height=\"843\" data-attachment-id=\"30934\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a742cb5e6e3b\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a742cb5e6e3b.png?fit=1264%2C843&amp;ssl=1\" data-orig-size=\"1264,843\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"graphique &amp;#8211; comprendre la scpi\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a742cb5e6e3b.png?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a742cb5e6e3b.png?resize=1264%2C843&#038;ssl=1\" alt=\"\" class=\"wp-image-30934\" style=\"aspect-ratio:1.4837988826815642;width:640px;height:auto\" title=\"graphique - comprendre la scpi\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a742cb5e6e3b.png?w=1264&amp;ssl=1 1264w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a742cb5e6e3b.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a742cb5e6e3b.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a742cb5e6e3b.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a742cb5e6e3b.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"Quest-ce_quun_ETF_a_dividendes_eleves\"><\/span>Qu&#8217;est-ce qu&#8217;un ETF \u00e0 dividendes \u00e9lev\u00e9s ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF (Exchange Traded Fund) est un fonds cot\u00e9 en bourse qui r\u00e9plique un indice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement \u00e0 une action classique, un ETF permet d&#8217;investir en une seule op\u00e9ration dans plusieurs centaines, voire plusieurs milliers d&#8217;entreprises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF \u00e0 dividendes \u00e9lev\u00e9s suit un indice compos\u00e9 d&#8217;entreprises s\u00e9lectionn\u00e9es pour leurs dividendes \u00e9lev\u00e9s. Lorsque certaines entreprises ne remplissent plus les crit\u00e8res ou que d&#8217;autres deviennent plus int\u00e9ressantes, l&#8217;indice est mis \u00e0 jour et l&#8217;ETF adapte automatiquement son portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, l&#8217;investisseur poss\u00e8de une part de nombreuses entreprises r\u00e9put\u00e9es pour verser de bons dividendes. Avec une s\u00e9lection mis \u00e0 jour par le fonds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parmi les ETF \u00e0 dividendes \u00e9lev\u00e9s les plus connus figurent notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Vanguard High Dividend Yield ETF (VYM)<\/strong><a href=\"https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/vym\">*<\/a>, centr\u00e9 sur les grandes entreprises am\u00e9ricaines <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Vanguard FTSE All-World High Dividend Yield (VHYL)<\/strong><a href=\"https:\/\/www.vanguard.co.uk\/professional\/product\/etf\/equity\/9506\/ftse-all-world-high-dividend-yield-ucits-etf-usd-distributing\">*<\/a>, qui investit dans des soci\u00e9t\u00e9s \u00e0 hauts dividendes r\u00e9parties dans le monde entier.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En achetant une seule part de l&#8217;un de ces ETF, tu deviens indirectement propri\u00e9taire de centaines ou de milliers d&#8217;entreprises \u00e9voluant dans de nombreux secteurs :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sant\u00e9 <\/li>\n\n\n\n<li>technologie <\/li>\n\n\n\n<li>\u00e9nergie <\/li>\n\n\n\n<li>consommation <\/li>\n\n\n\n<li>finance <\/li>\n\n\n\n<li>industrie<\/li>\n\n\n\n<li>immobilier<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement aux SCPI, ces ETF offrent une meilleure diversification g\u00e9ographique et sectorielle. Et des co\u00fbts de gestion bon march\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est possible de par exemple, d&#8217;acheter un ETF mondial avec des milliers d&#8217;actions multi-secteurs qui versent de hauts dividendes tous trois mois, pour moins de 0,5% par ann\u00e9e en frais. Cette diversification et ses frais frais ne sont pas possible \u00e0 ce jour avec une SCPI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les dividendes sont ensuite redistribu\u00e9s aux investisseurs par le fonds, g\u00e9n\u00e9ralement chaque trimestre.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a955d4c1891d&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a955d4c1891d\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" data-attachment-id=\"30988\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a746fb68b92c\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a746fb68b92c.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"graphique &amp;#8211; ETF \u00e0 dividendes \u00e9lev\u00e9s\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a746fb68b92c.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a746fb68b92c.png?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-30988\" style=\"width:594px;height:auto\" title=\"graphique - ETF \u00e0 dividendes \u00e9lev\u00e9s\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a746fb68b92c.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a746fb68b92c.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a746fb68b92c.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a746fb68b92c.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a746fb68b92c.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a746fb68b92c.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a746fb68b92c.png?resize=100%2C100&amp;ssl=1 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"Un_exemple_concret\"><\/span>Un exemple concret<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prenons deux investisseurs qui disposent chacun d&#8217;environ <strong>1 000 \u20ac<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le premier d\u00e9cide d&#8217;investir dans une SCPI.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Avec cette somme, il devient copropri\u00e9taire d&#8217;un portefeuille immobilier compos\u00e9 de par exemple, de bureaux, de commerces et d&#8217;entrep\u00f4ts r\u00e9partis dans plusieurs pays europ\u00e9ens.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si cette SCPI distribue un rendement annuel de <strong>7%<\/strong>, il percevra environ <strong>70 \u20ac de revenus<\/strong> sur une ann\u00e9e (hors fiscalit\u00e9).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le second investisseur choisit un ETF mondial \u00e0 dividendes \u00e9lev\u00e9s, comme l&#8217;ETF <strong>VHYL<\/strong> par exemple.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Avec le m\u00eame montant, il devient indirectement propri\u00e9taire de plus de deux mille entreprises de plusieurs secteurs \u00e9conomiques r\u00e9parties sur plusieurs continents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si le rendement en dividendes est de <strong>3,5 %<\/strong>, il recevra environ <strong>35 \u20ac de dividendes<\/strong> sur l&#8217;ann\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 premi\u00e8re vue, la SCPI semble beaucoup plus attractive puisqu&#8217;elle verse un revenu plus important, mais cette comparaison est incompl\u00e8te. Nous allons analyser ce sujet plus tard dans cet article.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"Pourquoi_choisir_une_SCPI_ou_un_ETF_a_dividendes\"><\/span>Pourquoi choisir une SCPI ou un ETF \u00e0 dividendes ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les deux placements r\u00e9pondent \u00e0 une logique similaire : <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff8db\" class=\"has-inline-color\">g\u00e9n\u00e9rer des revenus passifs, avec des revenus plut\u00f4t \u00e9lev\u00e9s et avec tr\u00e8s peu de gestion.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ils conviennent particuli\u00e8rement aux investisseurs qui souhaitent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>compl\u00e9ter leurs revenus (ou un salaire)<\/li>\n\n\n\n<li>construire progressivement une rente <\/li>\n\n\n\n<li>diversifier leur patrimoine <\/li>\n\n\n\n<li>\u00e9viter la gestion d&#8217;un bien immobilier en direct <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tout cela, en ne passant que quelques minutes par mois pour g\u00e9rer son placement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"SCPI_vs_ETF_a_dividendes_eleves\"><\/span>SCPI vs ETF \u00e0 dividendes \u00e9lev\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, une SCPI ou un ETF \u00e0 dividendes \u00e9lev\u00e9s ne poursuivent pas le m\u00eame objectif financier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#feffdb\" class=\"has-inline-color\">Les SCPI sont souvent privil\u00e9gi\u00e9es par les personnes qui recherchent avant tout des revenus r\u00e9guliers et imm\u00e9diats, avec une volatilit\u00e9 relativement faible.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ffffd6\" class=\"has-inline-color\">Les ETF \u00e0 dividendes \u00e9lev\u00e9s s\u00e9duisent davantage les investisseurs souhaitant combiner un placement diversifi\u00e9, hauts dividendes et croissance du capital sur le long terme.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nous allons comparer les placements dans la suite de cet article.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"Resume_SCPI_ou_ETF_a_dividendes\"><\/span>R\u00e9sum\u00e9 : SCPI ou ETF \u00e0 dividendes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avant d\u2019entrer dans les d\u00e9tails, voici le r\u00e9sum\u00e9 des principaux crit\u00e8res.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\">Gagnant<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Meilleur Rendement brut historique<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF \u00e0 dividendes \u00e9lev\u00e9s<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Meilleur Rendement net historique estim\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Quelques ETF \u00e0 dividendes \u00e9lev\u00e9s<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Meilleure Distribution de revenus ou dividendes<\/td><td class=\"has-text-align-center\" data-align=\"center\">SCPI<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Meilleure Diversification<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF \u00e0 dividendes \u00e9lev\u00e9s<br> (multi-secteurs et multi-pays)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Simplicit\u00e9 d&#8217;investissement et gestion passive<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9galit\u00e9<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Montant initial le plus faible pour investir<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF \u00e0 dividendes \u00e9lev\u00e9s <br>(et quelques SCPI)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Temps de gestion n\u00e9cessaire par mois<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9galit\u00e9<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Le placement avec la volatilit\u00e9 la plus Faible <\/td><td class=\"has-text-align-center\" data-align=\"center\">SCPI<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Plus de Fr\u00e9quence des versements<\/td><td class=\"has-text-align-center\" data-align=\"center\">Certaines SCPI<br>(mensuellement)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Meilleure Croissance du capital<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF \u00e0 dividendes \u00e9lev\u00e9s<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Meilleure Fiscalit\u00e9 en Suisse<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF \u00e0 dividendes \u00e9lev\u00e9s<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Moins de Frais<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF \u00e0 dividendes \u00e9lev\u00e9s<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Le moins p\u00e9nalis\u00e9 si l&#8217;investisseur vend son placement<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF \u00e0 dividendes \u00e9lev\u00e9s<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9sum\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>La SCPI est g\u00e9n\u00e9ralement meilleure pour obtenir une rente immobili\u00e8re stable et \u00e9lev\u00e9e.<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>L\u2019ETF \u00e0 dividendes \u00e9lev\u00e9s est g\u00e9n\u00e9ralement meilleur pour faire cro\u00eetre son patrimoine sur le long terme<\/strong>, en recevant de bons dividendes chaque 3 mois.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Voyons maintenant pourquoi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"Quel_placement_offre_le_meilleur_rendement_historique\"><\/span>Quel placement offre le meilleur rendement historique ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour comparer correctement ces deux investissements, il faut analyser le rendement total :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rendement total = revenus distribu\u00e9s + \u00e9volution de la valeur de l\u2019investissement<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un investissement peut distribuer beaucoup de revenus, mais avoir une faible croissance du capital. \u00c0 l\u2019inverse, un placement peut distribuer moins de revenus, mais prendre davantage de valeur avec le temps.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-11\"><span class=\"ez-toc-section\" id=\"Rendement_historique_des_SCPI\"><\/span>Rendement historique des SCPI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les rendements des SCPI varient fortement selon les p\u00e9riodes et les soci\u00e9t\u00e9s de gestion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les meilleures SCPI ont historiquement pu offrir des rendements autour de 6 \u00e0 8% brut par ann\u00e9e. Cependant, la moyenne du march\u00e9 se situe g\u00e9n\u00e9ralement plut\u00f4t autour de 4 \u00e0 6 % annuel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour cette comparaison, nous utiliserons donc une hypoth\u00e8se d\u2019environ <strong>7%-8% brut annuel<\/strong> pour une SCPI performante. Certaines SCPI, comme Remake Live<a href=\"https:\/\/www.remake.fr\/remake-live\">*<\/a> ou Iroko Zen<a href=\"https:\/\/www.iroko.eu\/scpi\/zen\">*<\/a> par exemple, ont affich\u00e9 un rendement proche de ce niveau ces derni\u00e8res ann\u00e9es (2022-2025).<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"Rendement_historique_des_ETF_a_dividendes_eleves\"><\/span>Rendement historique des ETF \u00e0 dividendes \u00e9lev\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour comparer les ETF, prenons deux exemples populaires :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>VYM<\/strong> : ETF d\u2019actions am\u00e9ricaines \u00e0 dividendes \u00e9lev\u00e9s.<\/li>\n\n\n\n<li><strong>VHYL<\/strong> : ETF d\u2019actions mondiales \u00e0 dividendes \u00e9lev\u00e9s.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sur la p\u00e9riode 2014-2024 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>VYM : environ <strong>9,7 % annualis\u00e9 brut<\/strong><\/li>\n\n\n\n<li>VHYL : environ <strong>6,7 % annualis\u00e9 brut<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-13 wp-block-paragraph\"><strong>Ainsi, sur cette p\u00e9riode historique :<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>VYM a obtenu la meilleure performance des trois placements.<\/li>\n\n\n\n<li>VHYL et une SCPI performante ont obtenu des r\u00e9sultats proches.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-14\"><span class=\"ez-toc-section\" id=\"Exemple_concret_avec_10_000_USD_investis_pendant_10_ans\"><\/span>Exemple concret avec 10 000 USD investis pendant 10 ans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si un investisseur avait investi 10&#8217;000 USD dans chaque placement, voici le rendement de chaque investissement apr\u00e8s 10 ans :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annuel brut<\/th><th class=\"has-text-align-center\" data-align=\"center\">Valeur apr\u00e8s 10 ans<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">VYM<\/td><td class=\"has-text-align-center\" data-align=\"center\">9,7 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 25 238 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VHYL<\/td><td class=\"has-text-align-center\" data-align=\"center\">6,7 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 19 100 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI (hypoth\u00e8se 7 %)<\/td><td class=\"has-text-align-center\" data-align=\"center\">7 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 19 700 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-15 wp-block-paragraph\"><strong>Conclusion : concernant le rendement brut historique, l\u2019avantage revient aux ETF \u00e0 dividendes \u00e9lev\u00e9s, particuli\u00e8rement VYM.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"Quel_placement_est_le_plus_diversifie\"><\/span>Quel placement est le plus diversifi\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La diversification permet de r\u00e9duire le risque li\u00e9 \u00e0 un investissement unique.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-17\"><span class=\"ez-toc-section\" id=\"SCPI\"><\/span>SCPI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une SCPI permet de poss\u00e9der indirectement plusieurs biens immobiliers :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>bureaux <\/li>\n\n\n\n<li>commerces <\/li>\n\n\n\n<li>entrep\u00f4ts logistiques <\/li>\n\n\n\n<li>\u00e9tablissements de sant\u00e9 <\/li>\n\n\n\n<li>immeubles r\u00e9sidentiels<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Selon la SCPI choisie, les biens peuvent \u00eatre r\u00e9partis dans plusieurs villes ou plusieurs pays europ\u00e9ens.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffcdb\" class=\"has-inline-color\">la diversification est concentr\u00e9e sur un seul secteur : l\u2019immobilier. <\/mark><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"ETF_a_dividendes_eleves\"><\/span>ETF \u00e0 dividendes \u00e9lev\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF \u00e0 dividendes \u00e9lev\u00e9s permet d\u2019investir dans des centaines ou milliers d\u2019entreprises de plusieurs secteurs. Par exemple:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>entreprises pharmaceutiques <\/li>\n\n\n\n<li>banques <\/li>\n\n\n\n<li>entreprises de consommation <\/li>\n\n\n\n<li>immobilier<\/li>\n\n\n\n<li>entreprises \u00e9nerg\u00e9tiques<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019investisseur est donc expos\u00e9 \u00e0 plusieurs secteurs \u00e9conomiques. De plus, avec une zone g\u00e9ographique g\u00e9n\u00e9ralement plus large. Ce qui permet une large diversification.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour r\u00e9sum\u00e9 :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Placement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Nombre approximatif d\u2019actifs<\/th><th class=\"has-text-align-center\" data-align=\"center\">Zone g\u00e9ographique<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI diversifi\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">Plusieurs dizaines d\u2019immeubles<\/td><td class=\"has-text-align-center\" data-align=\"center\">Principalement Europe<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VYM<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 580 actions multi-sectoriel<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9tats-Unis<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VHYL<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 2 200 actions multi-sectoriel<\/td><td class=\"has-text-align-center\" data-align=\"center\">Monde entier<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019ETF VHYL offre donc la diversification g\u00e9ographique la plus importante.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-19 wp-block-paragraph\"><strong>Conclusion : avantage aux ETF \u00e0 dividendes \u00e9lev\u00e9s, particuli\u00e8rement VHYL.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-20\"><span class=\"ez-toc-section\" id=\"Quel_investissement_est_le_plus_sur_SCPI_ou_ETF_a_dividendes_eleves\"><\/span>Quel investissement est le plus s\u00fbr : SCPI ou ETF \u00e0 dividendes \u00e9lev\u00e9s ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de comparer la s\u00e9curit\u00e9 de ces deux placements, il est important de rappeler une r\u00e8gle fondamentale :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Aucun investissement n\u2019est sans risque.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une SCPI comme un ETF \u00e0 dividendes \u00e9lev\u00e9s peut perdre de la valeur. Cependant, le risque de perte totale est limit\u00e9 gr\u00e2ce \u00e0 la diversification.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Risque_dune_SCPI\"><\/span>Risque d\u2019une SCPI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En investissant dans une SCPI, l\u2019investisseur poss\u00e8de indirectement une partie de plusieurs biens immobiliers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le risque est donc r\u00e9parti entre diff\u00e9rents immeubles et diff\u00e9rents locataires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les principaux risques sont :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>baisse de la valeur des biens immobiliers <\/li>\n\n\n\n<li>diminution des loyers <\/li>\n\n\n\n<li>difficult\u00e9s financi\u00e8res des locataires <\/li>\n\n\n\n<li>probl\u00e8mes li\u00e9s au march\u00e9 immobilier<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, le fait de diversifier l&#8217;argent dans plusieurs biens immobiliers r\u00e9duit le risque.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"Risque_dun_ETF_a_dividendes_eleves\"><\/span>Risque d\u2019un ETF \u00e0 dividendes \u00e9lev\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avec un ETF \u00e0 dividendes \u00e9lev\u00e9s, l\u2019investisseur poss\u00e8de une fraction de centaines ou milliers d\u2019entreprises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les risques principaux sont :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>baisse des march\u00e9s boursiers <\/li>\n\n\n\n<li>diminution des dividendes <\/li>\n\n\n\n<li>crise \u00e9conomique affectant les entreprises<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, le fait de poss\u00e8der des centaines ou milliers d&#8217;entreprises, travaillant dans de secteurs financiers diff\u00e9rents, permet de stabiliser le risque.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-23 wp-block-paragraph\"><strong>Conclusion : le risque de faillite est moindre avec un ETF \u00e0 dividendes diversifi\u00e9 et multi-secteurs. En revanche, aucun placement est sans risque de perte d&#8217;argent<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"Quel_investissement_est_le_moins_volatile_SCPI_ou_ETF_a_dividendes_eleves\"><\/span>Quel investissement est le moins volatile : SCPI ou ETF \u00e0 dividendes \u00e9lev\u00e9s ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Concernant ce sujet, il y a une grande diff\u00e9rence.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>une SCPI est peu volatile, mais a peu de croissance <\/li>\n\n\n\n<li>un ETF d&#8217;actions est g\u00e9n\u00e9ralement tr\u00e8s volatile, mais avec un bon potentiel de croissance<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, lors de certaines corrections boursi\u00e8res, un ETF \u00e0 dividendes \u00e9lev\u00e9s peut perdre plusieurs pourcents en quelques semaines, alors que la valeur d\u2019une SCPI est historiquement plus stable.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-25 wp-block-paragraph\"><strong>Conclusion : la SCPI offre plus de stabilit\u00e9 de prix.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-26\"><span class=\"ez-toc-section\" id=\"Quel_investissement_est_le_plus_passif\"><\/span>Quel investissement est le plus passif ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sur ce point, SCPI et ETF \u00e0 dividendes \u00e9lev\u00e9s sont tr\u00e8s similaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans les deux cas, le temps de gestion est de seulement quelques minutes par mois.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-27 wp-block-paragraph\"><strong>Conclusion : \u00e9galit\u00e9 entre SCPI et ETF \u00e0 dividendes \u00e9lev\u00e9s.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-28\"><span class=\"ez-toc-section\" id=\"Quel_investissement_est_le_plus_simple_a_acheter\"><\/span>Quel investissement est le plus simple \u00e0 acheter ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aujourd\u2019hui, les deux solutions sont relativement accessibles.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-29\"><span class=\"ez-toc-section\" id=\"ETF_a_dividendes_eleves-2\"><\/span>ETF \u00e0 dividendes \u00e9lev\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour acheter un ETF, il suffit g\u00e9n\u00e9ralement :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>d\u2019ouvrir un compte aupr\u00e8s d\u2019un courtier <\/li>\n\n\n\n<li>de s\u00e9lectionner l\u2019ETF choisi <\/li>\n\n\n\n<li>d\u2019effectuer l\u2019achat<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-30\"><span class=\"ez-toc-section\" id=\"SCPI-2\"><\/span>SCPI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour investir dans une SCPI, il faut g\u00e9n\u00e9ralement passer par une plateforme sp\u00e9cialis\u00e9e ou une soci\u00e9t\u00e9 de gestion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La proc\u00e9dure est \u00e9galement devenue beaucoup plus simple qu\u2019auparavant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, un ETF \u00e0 dividendes co\u00fbtent g\u00e9n\u00e9ralement entre 20 \u00e0 200 USD, tandis qu&#8217;une SCPI co\u00fbte entre 100 \u00e0 5 000 Eur. Les ETF \u00e0 dividendes sont g\u00e9n\u00e9ralement plus accessibles<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-31 wp-block-paragraph\"><strong>Conclusion : Les ETF \u00e0 dividendes \u00e9lev\u00e9s sont plus simples pour les petits budgets.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-32\"><span class=\"ez-toc-section\" id=\"Quel_placement_distribue_les_meilleurs_revenus_immediats\"><\/span>Quel placement distribue les meilleurs revenus imm\u00e9diats?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est probablement le principal avantage des SCPI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une SCPI redistribue les loyers assez \u00e9lev\u00e9s provenant des immeubles d\u00e9tenus.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Distribution annuelle approximative<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI diversifi\u00e9e et performante<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 6 &#8211; 7 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VHYL<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 3,9 % de dividendes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VYM<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 2,8 % de dividendes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, pour un investisseur qui recherche principalement un revenu imm\u00e9diat, la SCPI est g\u00e9n\u00e9ralement plus int\u00e9ressante.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-33\"><span class=\"ez-toc-section\" id=\"Exemple_avec_100_000_CHF_investis\"><\/span><strong>Exemple avec 100 000 CHF investis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Prenons un exemple simple. Avec 100 000 CHF investis :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>une SCPI distribuant 6% pourrait g\u00e9n\u00e9rer environ 6 000 CHF par ann\u00e9e <\/li>\n\n\n\n<li>un ETF distribuant 3,5% pourrait g\u00e9n\u00e9rer environ 3 500 CHF par ann\u00e9e<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il faut garder en t\u00eate que le rendement distribu\u00e9 n\u2019est pas le seul crit\u00e8re important. En r\u00e9alit\u00e9, un placement qui distribue moins de dividendes peut parfois cr\u00e9er davantage de richesse gr\u00e2ce \u00e0 la croissance de sa valeur.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-34 wp-block-paragraph\"><strong>Conclusion : avantage SCPI pour le revenu distribu\u00e9.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-35\"><span class=\"ez-toc-section\" id=\"Quel_investissement_verse_des_revenus_plus_frequemment\"><\/span>Quel investissement verse des revenus plus fr\u00e9quemment ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La fr\u00e9quence des paiements peut \u00eatre importante pour les investisseurs qui souhaitent cr\u00e9er une rente.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-36\"><span class=\"ez-toc-section\" id=\"SCPI-3\"><\/span>SCPI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines SCPI distribuent g\u00e9n\u00e9ralement des revenus :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>mensuellement (chaque mois)<\/li>\n\n\n\n<li>trimestriellement (chaque 3 mois)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-37\"><span class=\"ez-toc-section\" id=\"ETF_a_dividendes_eleves-3\"><\/span>ETF \u00e0 dividendes \u00e9lev\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La majorit\u00e9 des ETF distribuent g\u00e9n\u00e9ralement des dividendes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>trimestriellement (chaque 3 mois)<\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-38 wp-block-paragraph\"><strong>Conclusion : avantage \u00e0 certaines SCPI, car certaines SCPI distribuent des loyers chaque mois.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-39\"><span class=\"ez-toc-section\" id=\"Quel_placement_est_le_meilleur_pour_faire_croitre_son_capital\"><\/span>Quel placement est le meilleur pour faire cro\u00eetre son capital ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un point souvent oubli\u00e9 est la diff\u00e9rence entre :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>le revenu distribu\u00e9 <\/li>\n\n\n\n<li>la croissance de la valeur de l\u2019investissement<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Un investisseur peut recevoir beaucoup de revenus, mais voir son capital peu progresser. \u00c0 l\u2019inverse, un ETF peut distribuer moins de dividendes, mais augmenter davantage en valeur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En prenant l&#8217;exemple sur la p\u00e9riode 2015-2024 :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Croissance hors loyers ou dividendes<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">VYM<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 6,9 % annuel<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VHYL<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 2,8 % annuel<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 1 % annuel<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Si on comptabilise croissance + revenus per\u00e7us pour la m\u00eame p\u00e9riode, voici le rendement annualis\u00e9 total estim\u00e9:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--6\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Croissance hors revenus<\/th><th class=\"has-text-align-center\" data-align=\"center\">Dividendes ou loyers per\u00e7us<\/th><th class=\"has-text-align-center\" data-align=\"center\">TOTAL<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">VYM<\/td><td class=\"has-text-align-center\" data-align=\"center\">6,9 % <\/td><td class=\"has-text-align-center\" data-align=\"center\">2,8 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">9,7 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VHYL<\/td><td class=\"has-text-align-center\" data-align=\"center\"> 2,8 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,9 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">6,7%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">6%<\/td><td class=\"has-text-align-center\" data-align=\"center\">7 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Sur cette p\u00e9riode :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>VYM a connu la meilleure progression du capital.<\/li>\n\n\n\n<li>VHYL et SCPI ont a obtenu une croissance total similaire, mais moins importante que VYM<\/li>\n<\/ol>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-40 wp-block-paragraph\"><strong>Conclusion : avantage aux ETF \u00e0 dividendes \u00e9lev\u00e9s, particuli\u00e8rement VYM.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-41\"><span class=\"ez-toc-section\" id=\"Quelle_solution_est_la_plus_avantageuse_fiscalement_en_Suisse\"><\/span>Quelle solution est la plus avantageuse fiscalement en Suisse ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La fiscalit\u00e9 est un \u00e9l\u00e9ment tr\u00e8s important pour un investisseur suisse.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-42\"><span class=\"ez-toc-section\" id=\"ETF_a_dividendes_eleves-4\"><\/span>ETF \u00e0 dividendes \u00e9lev\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La fiscalit\u00e9 d\u2019un ETF est relativement simple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la croissance des actions priv\u00e9es est tr\u00e8s peu impos\u00e9e <\/li>\n\n\n\n<li>les dividendes re\u00e7us sont imposables \u00e0 environ 15% (apr\u00e8s la d\u00e9claration d&#8217;imp\u00f4ts)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un ETF comme VHYL :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dividendes d&#8217;environ 3,9% + historique de croissance moyenne<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pour VYM :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dividendes d&#8217;environ 2,8% + croissance plut\u00f4t \u00e9lev\u00e9<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En v\u00e9rit\u00e9, l<strong>&#8216;ETF VYM est moins impos\u00e9 que l&#8217;ETF VHYL<\/strong>, car VYM a connu une plus grande croissance et a vers\u00e9 moins de dividendes que VHYL, ce qui est avantageux pour l&#8217;investisseur en mati\u00e8re de fiscalit\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-43\"><span class=\"ez-toc-section\" id=\"SCPI-4\"><\/span>SCPI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La fiscalit\u00e9 des SCPI est beaucoup plus complexe. Elle d\u00e9pend notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>du pays o\u00f9 se situent les immeubles <\/li>\n\n\n\n<li>du pays de r\u00e9sidence fiscale de l\u2019investisseur <\/li>\n\n\n\n<li>des conventions fiscales internationales.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Un investisseur peut parfois devoir effectuer des d\u00e9marches fiscales dans plusieurs pays.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les revenus immobiliers peuvent donc \u00eatre plus difficiles \u00e0 d\u00e9clarer. De plus, les SCPI sont souvent tr\u00e8s imposables \u00e0 cause des loyers \u00e9lev\u00e9s per\u00e7us.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00e9n\u00e9ralement, les revenus des SCPI sont imposables entre 15 \u00e0 45%, selon la SCPI. Cette imposition a une impact important dans le rendement final.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-44\"><span class=\"ez-toc-section\" id=\"Exemple_ETF_a_dividendes_eleves_VS_SCPI\"><\/span>Exemple : ETF \u00e0 dividendes \u00e9lev\u00e9s VS SCPI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avec un ETF \u00e0 dividendes \u00e9lev\u00e9s :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l\u2019investisseur re\u00e7oit 3 000 CHF de dividendes par ann\u00e9e (rendement de 3 %) <\/li>\n\n\n\n<li>ces dividendes sont impos\u00e9s g\u00e9n\u00e9ralement \u00e0 15%<\/li>\n\n\n\n<li>la valeur de l\u2019ETF a historiquement mont\u00e9e avec le temps.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Supposons qu\u2019apr\u00e8s 10 ans, l\u2019ETF ait doubl\u00e9 de valeur gr\u00e2ce \u00e0 la croissance des entreprises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019investisseur aura donc b\u00e9n\u00e9fici\u00e9 d\u2019une forte augmentation du capital tr\u00e8s peu imposable, tout en ayant pay\u00e9 des imp\u00f4ts uniquement sur les dividendes re\u00e7us.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec une SCPI :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l\u2019investisseur re\u00e7oit par exemple 7 000 CHF de loyers par ann\u00e9e (rendement de 7 %) ;<\/li>\n\n\n\n<li>ces revenus immobiliers sont impos\u00e9s chaque ann\u00e9e (entre 15 \u00e0 45% selon le pays)<\/li>\n\n\n\n<li>la croissance de la valeur des parts est plus limit\u00e9e.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce cas, l\u2019investisseur re\u00e7oit davantage de revenus imm\u00e9diatement, mais aussi une plus grande partie du rendement est impos\u00e9e chaque ann\u00e9e.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-45\"><span class=\"ez-toc-section\" id=\"Exemple_concret_100_000_CHF_investis_pendant_une_annee\"><\/span>Exemple concret : 100 000 CHF investis pendant une ann\u00e9e<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons deux investisseurs suisses qui placent chacun 100 000 CHF :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investisseur A : ETF \u00e0 dividendes \u00e9lev\u00e9s avec une partie importante du rendement provenant de la croissance du capital.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investisseur B : SCPI avec une forte distribution de revenus immobiliers.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--7\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">ETF \u00e0 dividendes \u00e9lev\u00e9s<\/th><th class=\"has-text-align-center\" data-align=\"center\">SCPI<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Capital investi<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 000 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement total annuel<\/td><td class=\"has-text-align-center\" data-align=\"center\">8 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">8 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Revenus distribu\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">3 % (3 000 CHF)<\/td><td class=\"has-text-align-center\" data-align=\"center\">7 % (7 000 CHF)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Croissance de la valeur<\/td><td class=\"has-text-align-center\" data-align=\"center\">5 % (5 000 CHF)<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 % (1 000 CHF)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Montant imposable<\/td><td class=\"has-text-align-center\" data-align=\"center\">3 000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">7 000 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Imp\u00f4ts<\/td><td class=\"has-text-align-center\" data-align=\"center\">-450 CHF<br>(15%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1 960 CHF<br>(28%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Rendement Total apr\u00e8s imp\u00f4ts<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>7 550 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>5 040 CHF<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em>Cet exemple est simplifi\u00e9 pour montrer comment fonctionne la fiscalit\u00e9. En revanche, la fiscalit\u00e9 r\u00e9elle varie selon la situation personnelle de l\u2019investisseur, le canton de r\u00e9sidence et le type d\u2019investissement.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet exemple, les deux investissements g\u00e9n\u00e8rent le m\u00eame rendement total de 8 %. Cependant, la fiscalit\u00e9 est diff\u00e9rente :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avec l\u2019ETF, seule une petite partie du rendement est distribu\u00e9e sous forme de dividendes et donc impos\u00e9e imm\u00e9diatement \u00e0 15%.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avec la SCPI, une grande partie du rendement provient des loyers, qui sont fortement impos\u00e9s chaque ann\u00e9e (28% dans cet exemple).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La diff\u00e9rence peut sembler faible sur une seule ann\u00e9e, mais en 10 ans, on parle dans cet exemple, d&#8217;une diff\u00e9rence de plus 25 000 CHF en imp\u00f4ts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans oublier, un ETF a tendance \u00e0 cro\u00eetre plus qu&#8217;une SCPI sur le long terme, cette croissance boursi\u00e8re permet de payer tr\u00e8s peu d&#8217;imp\u00f4ts (en Suisse).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est pourquoi un investisseur suisse pr\u00e9f\u00e8re un investissement ax\u00e9 sur la croissance du capital et moins ax\u00e9 sur les revenus distribu\u00e9s, car fiscalement c&#8217;est bien plus avantageux.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-46\"><strong>Conclusion : avantage aux ETF \u00e0 dividendes \u00e9lev\u00e9s pour un r\u00e9sident suisse.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Sur une longue p\u00e9riode, cette diff\u00e9rence fiscale peut avoir un impact important sur la croissance du patrimoine.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-47\"><span class=\"ez-toc-section\" id=\"Quel_investissement_possede_les_frais_les_plus_faibles\"><\/span>Quel investissement poss\u00e8de les frais les plus faibles ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les frais ont un impact important sur le rendement final.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-48\"><span class=\"ez-toc-section\" id=\"ETF_a_dividendes_eleves-5\"><\/span>ETF \u00e0 dividendes \u00e9lev\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les principaux frais sont :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>frais de gestion de l\u2019ETF (TER) <\/li>\n\n\n\n<li>frais du courtier.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En terme de TER (frais de gestion du fonds), c&#8217;est actuellement :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>VYM : environ 0,06 % de frais annuels <\/li>\n\n\n\n<li>VHYL : environ 0,29 % de frais annuels.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Avec un courtier \u00e9conomique et en optimisant les co\u00fbts de transactions, le co\u00fbt total est d&#8217;environ : <\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--8\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\">Co\u00fbt TER<\/td><td class=\"has-text-align-center\" data-align=\"center\">Co\u00fbt du courtier \u00e9conomique (estimatif)<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Co\u00fbt annuel total estim\u00e9<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>VYM<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0,06%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0,40 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>0,46%<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>VHYL<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0,29%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0,40%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>0,69%<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-49\"><span class=\"ez-toc-section\" id=\"SCPI-5\"><\/span>SCPI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les SCPI ont plusieurs types de frais. Il est important de les comprendre, car ils peuvent r\u00e9duire fortement le rendement de l&#8217;investissement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Les frais de souscription<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque tu ach\u00e8tes des parts d&#8217;une SCPI, il peut y avoir des frais de souscription. Ils sont souvent compris entre <strong>8 % et 12 %<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons que tu investisses <strong>10 000 \u20ac<\/strong> dans une SCPI avec <strong>10 % de frais de souscription<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela signifie qu&#8217;une partie de ton investissement, soit environ <strong>1 000 \u20ac<\/strong>, correspond aux frais li\u00e9s \u00e0 la souscription. En simplifiant, environ <strong>9 000 \u20ac<\/strong> correspondent alors \u00e0 la valeur r\u00e9ellement investie dans les parts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces frais sont importants \u00e0 prendre en compte, car si tu revends tes parts rapidement, la valeur de ton investissement peut \u00eatre inf\u00e9rieure \u00e0 ton montant initial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C&#8217;est notamment pour cette raison que les SCPI sont g\u00e9n\u00e9ralement plus adapt\u00e9es \u00e0 un investissement de long terme.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Les frais de gestion<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La SCPI doit g\u00e9rer les immeubles, trouver des locataires, encaisser les loyers et entretenir son patrimoine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour cela, elle pr\u00e9l\u00e8ve des frais de gestion, souvent autour de <strong>8 % \u00e0 12 % des loyers per\u00e7us<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si une SCPI re\u00e7oit 10 000 \u20ac de loyers, elle pourrait pr\u00e9lever environ 1 000 \u20ac de frais de gestion avec un taux de 10 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Les autres frais<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il peut \u00e9galement y avoir des frais li\u00e9s \u00e0 l&#8217;achat des immeubles, aux transactions, \u00e0 l&#8217;administration ou \u00e0 la gestion du patrimoine.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Combien_cela_coute_reellement\"><\/span>Combien cela co\u00fbte r\u00e9ellement ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il est difficile de donner un pourcentage moyen en frais, car les frais varient beaucoup d&#8217;une SCPI \u00e0 l&#8217;autre. Mais selon mes estimations, en prenant en compte toutes les SCPI analys\u00e9es, je pr\u00e9vois environ 1,5% de frais par an pour les SCPI, sans inclure les imp\u00f4ts qui sont souvent \u00e9lev\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>En r\u00e9sum\u00e9, une SCPI a presque toujours plus des frais plus qu&#8217;un ETF, car une SCPI ne peut pas avoir des frais totaux inf\u00e9rieurs \u00e0 0,70%. \u00c0 long terme, ces frais diminuent le rendement.<\/strong><\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-50 wp-block-paragraph\"><strong>Conclusion : avantage aux ETF \u00e0 dividendes \u00e9lev\u00e9s concernant les frais.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-51\"><span class=\"ez-toc-section\" id=\"Les_frais_et_les_impots_les_deux_ennemis_des_SCPI\"><\/span>Les frais et les imp\u00f4ts, les deux ennemis des SCPI<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu as lu attentivement cet article, tu commences \u00e0 comprendre le fonctionnement r\u00e9el des SCPI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une SCPI peut afficher un rendement de <strong>7 %<\/strong>, mais cela ne signifie pas que l&#8217;investisseur conservera r\u00e9ellement 7 % dans sa poche.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il faut notamment prendre en compte :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les revenus distribu\u00e9s <\/li>\n\n\n\n<li>la croissance \u00e9ventuelle de la valeur des parts <\/li>\n\n\n\n<li>les frais <\/li>\n\n\n\n<li>les imp\u00f4ts<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Prenons un exemple simple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons que tu investisses <strong>100 000 \u20ac<\/strong> dans une SCPI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La SCPI g\u00e9n\u00e8re :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>7 % de loyers<\/strong>, soit 7 000 \u20ac <\/li>\n\n\n\n<li><strong>1 % de croissance de la valeur des parts<\/strong>, soit 1 000 \u20ac <\/li>\n\n\n\n<li><strong>1,5 % de frais<\/strong>, soit environ 1 500 \u20ac <\/li>\n\n\n\n<li><strong>28 % d&#8217;imp\u00f4ts sur les 7 000 \u20ac <\/strong>re\u00e7us par les loyers, soit 1 960 \u20ac.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Voici le r\u00e9sultat :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--9\"><table class=\"has-fixed-layout\"><tbody><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Montant<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement<\/th><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Loyers re\u00e7us<\/td><td class=\"has-text-align-center\" data-align=\"center\">+7 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">+7 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Croissance de la valeur<\/td><td class=\"has-text-align-center\" data-align=\"center\">+1 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">+1 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Frais<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1 500 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1,5 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Imp\u00f4ts sur les loyers \u00e0 28%<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1 960 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1,9 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Rendement final estim\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>+4 540 \u20ac<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>+4,6 %<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet exemple, la SCPI affiche donc un rendement brut de <strong>8 %<\/strong> (7 % de loyers + 1 % de croissance), mais l&#8217;investisseur ne conserve finalement qu&#8217;environ<strong> 4,6 %<\/strong> apr\u00e8s les frais et les imp\u00f4ts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela montre pourquoi il est important de ne pas regarder uniquement le rendement affich\u00e9 par une SCPI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Un rendement brut \u00e9lev\u00e9 ne signifie pas forc\u00e9ment un rendement net \u00e9lev\u00e9.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bien entendu, cet exemple est volontairement simplifi\u00e9. La fiscalit\u00e9 r\u00e9elle d&#8217;une SCPI d\u00e9pend notamment du pays o\u00f9 se trouvent les immeubles, de la situation fiscale de l&#8217;investisseur et des \u00e9ventuels m\u00e9canismes permettant d&#8217;\u00e9viter une double imposition.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion_SCPI_ou_ETF_a_dividendes_eleves\"><\/span>Conclusion : SCPI ou ETF \u00e0 dividendes \u00e9lev\u00e9s ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e9ponse d\u00e9pend principalement de l\u2019objectif de l\u2019investisseur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-52\"><span class=\"ez-toc-section\" id=\"La_SCPI_pour\"><\/span>La SCPI pour :<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>obtenir une rente immobili\u00e8re \u00e9lev\u00e9e <\/li>\n\n\n\n<li>recevoir des revenus r\u00e9guliers imm\u00e9diats<\/li>\n\n\n\n<li>r\u00e9duire la volatilit\u00e9 du portefeuille<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-53\"><span class=\"ez-toc-section\" id=\"Les_ETF_a_dividendes_eleves_pour\"><\/span>Les ETF \u00e0 dividendes \u00e9lev\u00e9s  pour :<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>maximiser la croissance du patrimoine sur une longue p\u00e9riode<\/li>\n\n\n\n<li>b\u00e9n\u00e9ficier d\u2019une forte diversification <\/li>\n\n\n\n<li>recevoir de bons dividendes tous les 3 mois<\/li>\n\n\n\n<li>simplifier et tr\u00e8s souvent optimiser la fiscalit\u00e9 <\/li>\n\n\n\n<li>Investir avec des frais tr\u00e8s bas<\/li>\n<\/ul>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a955d4c31cf2&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a955d4c31cf2\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1264\" height=\"843\" data-attachment-id=\"31049\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a7599d9ae632\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7599d9ae632.png?fit=1264%2C843&amp;ssl=1\" data-orig-size=\"1264,843\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"graphique &amp;#8211; ETF \u00e0 dividendes \u00e9lev\u00e9s vs SCPI\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7599d9ae632.png?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7599d9ae632.png?resize=1264%2C843&#038;ssl=1\" alt=\"\" class=\"wp-image-31049\" style=\"aspect-ratio:1.4827399799212295;width:600px;height:auto\" title=\"graphique - ETF \u00e0 dividendes \u00e9lev\u00e9s vs SCPI\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7599d9ae632.png?w=1264&amp;ssl=1 1264w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7599d9ae632.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7599d9ae632.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7599d9ae632.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7599d9ae632.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-54\"><span class=\"ez-toc-section\" id=\"Mon_opinion\"><\/span>Mon opinion<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Je ne consid\u00e8re pas les ETF \u00e0 dividendes \u00e9lev\u00e9s ou les SCPI comme des placements de premier choix, car les ETF \u00e0 croissance me semblent mieux adapt\u00e9s. Cela dit, un ETF \u00e0 dividendes ou une SCPI peuvent \u00eatre utiles pour diversifier son patrimoine financier.<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-55 wp-block-paragraph\" style=\"color:#feffe0\"><strong>Pour un r\u00e9sident suisse cherchant un investissement simple, avec de bons dividendes et un bon potentiel de croissance \u00e0 long terme, les ETF \u00e0 dividendes \u00e9lev\u00e9s sont souvent plus b\u00e9n\u00e9fiques.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon analyse, l\u2019ETF VYM offre actuellement le meilleur compromis historique entre rendement, simplicit\u00e9 et fiscalit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019ETF VHYL reste \u00e9galement int\u00e9ressant pour les investisseurs qui souhaitent une exposition mondiale et de bons dividendes, mais n&#8217;a pas offert un rendement total tr\u00e8s \u00e9lev\u00e9 en 10 ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les SCPI sont tr\u00e8s attractives pour g\u00e9n\u00e9rer une rente immobili\u00e8re importante chaque mois avec une faible volatilit\u00e9. Mais c&#8217;est aussi un placement qui voit son rendement fortement r\u00e9duire \u00e0 cause des imp\u00f4ts et les frais.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-56 wp-block-paragraph\"><strong>En r\u00e9sum\u00e9, selon mon opinion, voici mon ordre d&#8217;investissement:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>ETF \u00e0 croissance (exemple ETF S&amp;P 500)<\/li>\n\n\n\n<li>ETF \u00e0 dividendes \u00e9lev\u00e9s US, avec de dividendes moyens et un bon potentiel de croissance (exemple VYM)<\/li>\n\n\n\n<li>ETF \u00e0 dividendes \u00e9lev\u00e9s mondial avec de dividendes \u00e9lev\u00e9s (exemple VHYL)<\/li>\n\n\n\n<li>SCPI avec une bonne performance historique et une bonne diversification europ\u00e9enne (Exemple Remake Life)<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Notons qu&#8217;il est aussi possible d&#8217;acheter plusieurs placements afin de diversifier les patrimoine financier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_SCPI_ou_ETF_a_dividendes_eleves\"><\/span>FAQ : SCPI ou ETF \u00e0 dividendes \u00e9lev\u00e9s ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-57\"><span class=\"ez-toc-section\" id=\"Une_SCPI_est-elle_plus_rentable_quun_ETF_a_dividendes_eleves\"><\/span>Une SCPI est-elle plus rentable qu\u2019un ETF \u00e0 dividendes \u00e9lev\u00e9s ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pas n\u00e9cessairement. Les SCPI peuvent offrir une rente plus \u00e9lev\u00e9e, mais les ETF \u00e0 dividendes \u00e9lev\u00e9s ont historiquement offert une meilleure croissance du capital. Il faut donc comparer le <strong>rendement total apr\u00e8s frais et imp\u00f4ts<\/strong>, et pas uniquement les revenus distribu\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-58\"><span class=\"ez-toc-section\" id=\"Quel_est_le_meilleur_choix_pour_un_investisseur_suisse\"><\/span>Quel est le meilleur choix pour un investisseur suisse ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un investisseur suisse qui recherche principalement la croissance de son patrimoine sur le long terme, un <strong>ETF \u00e0 dividendes \u00e9lev\u00e9s peut \u00eatre plus int\u00e9ressant<\/strong> qu&#8217;une SCPI gr\u00e2ce \u00e0 sa diversification, ses frais g\u00e9n\u00e9ralement plus faibles et une fiscalit\u00e9 souvent plus simple.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-59\"><span class=\"ez-toc-section\" id=\"Pourquoi_investir_dans_une_SCPI\"><\/span>Pourquoi investir dans une SCPI ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La principale force d\u2019une SCPI est de pouvoir recevoir des <strong>revenus immobiliers r\u00e9guliers<\/strong> sans avoir \u00e0 g\u00e9rer directement des immeubles ou des locataires. Elle peut donc \u00eatre int\u00e9ressante pour un investisseur qui recherche principalement une rente.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-60\"><span class=\"ez-toc-section\" id=\"Quel_est_le_principal_avantage_dun_ETF_a_dividendes_eleves\"><\/span>Quel est le principal avantage d\u2019un ETF \u00e0 dividendes \u00e9lev\u00e9s ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF permet d&#8217;investir en une seule op\u00e9ration dans <strong>des centaines ou des milliers d\u2019entreprises<\/strong>. Il offre donc une importante diversification et permet de profiter \u00e0 la fois des dividendes et de la croissance potentielle de la valeur des actions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-61\"><span class=\"ez-toc-section\" id=\"SCPI_ou_ETF_a_dividendes_eleves_lequel_choisir\"><\/span>SCPI ou ETF \u00e0 dividendes \u00e9lev\u00e9s : lequel choisir ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il n\u2019existe pas une r\u00e9ponse universelle. Si ton objectif principal est de <strong>g\u00e9n\u00e9rer une rente \u00e9lev\u00e9e<\/strong>, la SCPI peut \u00eatre int\u00e9ressante. Si ton objectif est plut\u00f4t de <strong>faire cro\u00eetre ton patrimoine sur le long terme<\/strong>, un ETF \u00e0 dividendes \u00e9lev\u00e9s peut \u00eatre plus adapt\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans tous les cas, il est important de comparer le rendement <strong>net apr\u00e8s imp\u00f4ts et frais<\/strong>, et pas uniquement le rendement affich\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-62\"><span class=\"ez-toc-section\" id=\"Comparer_une_SCPI_VS_un_ETF_a_Dividendes_eleves_Quel_Investissement_Choisir\"><\/span><strong>Comparer une SCPI VS un ETF \u00e0 Dividendes \u00e9lev\u00e9s : Quel Investissement Choisir?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-background wp-block-paragraph\" style=\"background-color:#08481b\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/p>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=23582\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? 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href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/\">2\u00e8me pilier: Les bases \u00e0 comprendre<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-5-astuces-pour-gagner-de-largent-depuis-chez-soi\/\">Top 5 astuces pour gagner de l\u2019argent depuis chez soi<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/\">Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/\">Comment investir avec un petit budget?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/reit-investir-dans-immobilier-passif\/\">REIT: investir dans l&#8217;immobilier passif<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-63 wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise<\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>\u00c0 propos de Moi<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-64\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-65 wp-block-paragraph\"><strong>Comparer une SCPI VS un ETF \u00e0 Dividendes \u00e9lev\u00e9s : Quel Investissement Choisir?<\/strong><\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-66 wp-block-paragraph\"><strong>Comparer une SCPI VS un ETF \u00e0 Dividendes \u00e9lev\u00e9s : Quel Investissement Choisir?<\/strong><\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-67 wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comparing SCPIs and High Dividend ETFs: Which Investment to Choose? 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